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How much does Insurance run on your Taco?

Discussion in '2nd Gen. Tacomas (2005-2015)' started by Nolazach, Aug 14, 2011.

  1. Aug 14, 2011 at 2:30 AM
    #1
    Nolazach

    Nolazach [OP] Well-Known Member

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    New Orleans
    An ARE camper shell, a 1000w power inverter.
    For me $235/month with $100/$1000 Comprehensive and collision
    and 20,30,50 Liability and Uninsured motorist. Plus road side and rental car.

    It seems high to me. But I'm 30 have only had two accidents in my life. No tickets in years. But our insurance is high here. I know people with DWIs who pay less in other states.

    This is my 18th vehicle I've owned and it will be my first time getting anything other than liability. I'm going to miss $65 a month.

    What do y'all pay?
     
  2. Aug 14, 2011 at 2:49 AM
    #2
    rbeezy

    rbeezy Well-Known Member

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    Ron
    Bay Area
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    2011 Tacoma SR5
    around $1100/year full coverage with AAA
     
  3. Aug 14, 2011 at 2:59 AM
    #3
    brian

    brian Another Traitor

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    Elizabeth City, NC
    Vehicle:
    2008 F-350 Powerstroke
    I pay 650 a year for two vehicles, full coverage.
     
  4. Aug 14, 2011 at 3:05 AM
    #4
    A_Ninja_Racer

    A_Ninja_Racer Well-Known Member

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    Tampa, FL
    Vehicle:
    08 PreRunner TRD Debadged
    You need to shop around a little I'm in the same boat 3 accidents none on my record anymore and i have 1 or 2 speeding tickets that are still on my record. I pay 167 per month with full coverage With USAA:
    Bodily Injury Liability : 15,000/30,000 per person/per accident
    Uninsured Motorists Bodily Injury : 15,000/30,000 per person/per accident
    Personal Injury Protection :10,000 per person
    And Comp and Collision
    I do have a 500 dolar deductible though so maybe thats why yours is so much more.
     
  5. Aug 14, 2011 at 3:07 AM
    #5
    username

    username Fluffer

    Joined:
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    5,660
    Pendleton, Or
    Vehicle:
    05 Taco with some crap welded to it
    mostly stock
    $19.27 a month, full coverage. Usaa kicks ass. Never had an accident or a ticket, $1000 dollar deductable.
     
  6. Aug 14, 2011 at 3:08 AM
    #6
    A_Ninja_Racer

    A_Ninja_Racer Well-Known Member

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    Tampa, FL
    Vehicle:
    08 PreRunner TRD Debadged
    Good Lord:eek: Thats impossible!!!!
     
  7. Aug 14, 2011 at 3:10 AM
    #7
    Capita

    Capita Well-Known Member

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    Corner Brook, Newfoundland, Canada
    Vehicle:
    09 TRD Sport Double Cab
    $1200 cdn a year
     
  8. Aug 14, 2011 at 3:12 AM
    #8
    username

    username Fluffer

    Joined:
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    Pendleton, Or
    Vehicle:
    05 Taco with some crap welded to it
    mostly stock
    Yeah but I have never made an insurance claim, had usaa for ten+ years, never a single ticket or accident, married, 32 yrs old, good credit, I'm a safe bet. Every time they renew it the price goes down. I learned a long time ago it's better to put $1000 in savings and have a high deductable than have a low deductable and pay outrageous rates.
     
  9. Aug 14, 2011 at 3:19 AM
    #9
    A_Ninja_Racer

    A_Ninja_Racer Well-Known Member

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    Tampa, FL
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    08 PreRunner TRD Debadged
    Well I've only been with them since 2008 I have only made 2 windshield claims other than that nothing. I can't help how easy it is to chip and crack this glass. But my premiums have stayed the same every time a renew. Oh Well I'm not going anywhere cause nobody else gave me a rate like they did. Oh And I'm 31 so your not that old.
     
  10. Aug 14, 2011 at 3:21 AM
    #10
    Nolazach

    Nolazach [OP] Well-Known Member

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    New Orleans
    An ARE camper shell, a 1000w power inverter.
    I can't get USAA, and my state has the highest rates...
    $2800 a year is gonna suck.
     
  11. Aug 14, 2011 at 3:41 AM
    #11
    username

    username Fluffer

    Joined:
    Oct 15, 2010
    Member:
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    Messages:
    5,660
    Pendleton, Or
    Vehicle:
    05 Taco with some crap welded to it
    mostly stock
    True, but I remember when I was 18 insurance was more than the payment on my car. That 25+ age group is sweet.
     
  12. Aug 14, 2011 at 3:47 AM
    #12
    TACSNOW

    TACSNOW Well-Known Member

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    Seattle/Reno
    Vehicle:
    11 Black DCSB SR5
    Alpine CDA-117 More to come...
    75 a month in Nevada with a HORRIBLE driving record haha. Full coverage.
     
  13. Aug 14, 2011 at 4:53 AM
    #13
    brian

    brian Another Traitor

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    Elizabeth City, NC
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    2008 F-350 Powerstroke
    I'm with USAA as well, but damn, I thought I got a deal.... LoL I guess it works out to be about the same as mine since my rate is for two vehicles.
     
  14. Aug 14, 2011 at 5:00 AM
    #14
    brettb

    brettb Well-Known Member

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    Laramie, Wyoming
    Vehicle:
    '99 Tacoma TRD Offroad sr5
    3" fabtech fox front, 2.5" DAKAR/Bilstein 5100 rear
    1,700 every year. Trying to pay that off with a minimum wage job is a joke.
     
  15. Aug 14, 2011 at 5:06 AM
    #15
    TacomoMoto

    TacomoMoto Well-Known Member

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    09 SR5 Sport 6speed 4.0L
    160 / month full coverage
     
  16. Aug 14, 2011 at 5:26 AM
    #16
    wildjerseyfirefighter

    wildjerseyfirefighter I sell fishing and fishing accessories

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    NJ
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    stock, for now
    $1,762 a year with full coverage.
     
  17. Aug 14, 2011 at 5:28 AM
    #17
    Warputer

    Warputer Dirt Road Inspector

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    Lake Murray, South Carolina
    Vehicle:
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    A little lift & some extra steel....
    State Farm - $780 year - Full coverage - good driving record with a truck load of discounts
     
  18. Aug 14, 2011 at 5:34 AM
    #18
    jsutter

    jsutter Well-Known Member

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    Jim
    Akron, Ohio
    Vehicle:
    08 Reg. Cab 4cyl 2wd
    cruise and intermittent wipers
    Geico - $672.13 a year, full coverage, one accident in the last 3 years involving a deer.
     
  19. Aug 14, 2011 at 6:44 AM
    #19
    ee1284

    ee1284 Well-Known Member

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    Louisiana
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    05 Prerunner Sport
    I'm right across the lake in Mandeville. I'm 26 with full coverage through USAA. I pay 105 a month and my coverage is much higher than yours.

    I'm pretty happy with the rate cause like you said Louisiana's premiums are ridiculous. My 1990 4runner was 65 a month for just liability!

    Sucks you can't get USAA the rates and service is awesome.
     
  20. Aug 14, 2011 at 6:52 AM
    #20
    o5iiawah

    o5iiawah Well-Known Member

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    First Name:
    Tim
    Philly 'burbs, PA
    Vehicle:
    '11 4x2 access cab 2.7l
    my 6 mo premium is something like $445

    I get 100/300/100 with towing/roadside and a $500 ded. I also have to let them know that I drive primarily for business use and log about 25k miles for work. Never been in an accident, never had points on my license. 27 years old, single, decent credit

    So at about $75/mo, I think I am getting a pretty good deal.
     
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